Nov 24, 2012 6:30am PST
, and to top it all off, it faces the fiscal cliff. many of you count on your income tax refunds to pay off this holiday debt. if we go over that cliff, taxes go up an average of 3,500 a household, that refund is going to be a lot smaller. you won't have that tax refund to pay for all the stuff you don't need right now. the encouraging news, you're not taking the warnings lightly. the national retail federation says about 2/3 of shoppers say the fiscal cliff will affect their holiday spending. that's good. you've gotten the message. and it looks like congress may be getting the message, too. a deal to avert the fiscal cliff is looking more likely. it is. but i've been disappointed by this congress before. millions of americans are counting on you, congress, to save their jobs and their financial futures. do it. we'll all be celebrating like scrooge on christmas morning.